Crédit Agricole ACA.PA
Crédit Agricole is a diversified French bank with a retail banking and insurance model, as well as investment banking and asset management. Crédit Agricole shows weak financial health (ROE 8.61, ROA 0.31) and negative growth (revenue -6.3%, earnings -14.8%), but its valuation is attractive (P/E 8.93, P/B adjusted 0.90) and it offers a very high dividend (9.43% net). The ECB's rate hikes are a headwind for its net interest margin.
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Crédit Agricole is a diversified French bank with a retail banking and insurance model, as well as investment banking and asset management. Crédit Agricole shows weak financial health (ROE 8.61, ROA 0.31) and negative growth (revenue -6.3%, earnings -14.8%), but its valuation is attractive (P/E 8.93, P/B adjusted 0.90) and it offers a very high dividend (9.43% net). The ECB's rate hikes are a headwind for its net interest margin.
Score by category
| Category | Score |
|---|---|
| Financial health | 3.0 |
| Quality / Moat | 9.0 |
| Valuation | 7.4 |
| Growth | 2.0 |
| Dividend | 7.2 |
| Momentum | 5.0 |
| Risk & Context | 6.1 |
OVERALL SCORE: 6.1/10
Context and risks
Elevated governance risk in France and exposure to a hiking ECB, which could compress margins in retail banking and pressure funding. However, the diversified model (insurance, asset management) and capital position partially mitigate the risk.
News considered in the analysis
- Should Value Investors Buy Credit Agricole (CRARY) Stock? — Artículo de opinión genérico sobre valoración, sin información nueva.
- Are Investors Undervaluing Credit Agricole (CRARY) Right Now? — Listículo/opinión sin datos concretos que afecten a beneficios futuros.
- Credit Agricole (CRARY) Upgraded to Buy: Here's Why — Upgrade de analista a Comprar; impacto moderado y parcialmente descontado.
- Is Crédit Agricole (ENXTPA:ACA) Stock A Bargain Or Fully Priced? — Análisis de valoración sin información nueva material.
- Credit Agricole SA (CRARF) (Q2 2026) Earnings Call Highlights: Record Revenues and Strategic ... — Resultados récord en ingresos; noticia material positiva, aunque ya publicada y en parte descontada.
Verdict: Hold: the cheap valuation and high dividend offset negative growth and ECB pressure, but there are no clear catalysts for improvement.
Main risk: The main risk is exposure to the ECB rate cycle: further hikes could compress the net interest margin and dampen credit demand, worsening already negative growth.
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